Choosing health insurance can be confusing. Premiums, deductibles, copays, coinsurance, provider networks, referrals, and out-of-pocket limits all affect how much you pay and which doctors you can see. Quick Answer: Seven common health insurance plan types are HMO, PPO, EPO,…
Applying for a standard, fully underwritten policy without knowing your COPD stage first is the most common mistake people make, and it can lead to a decline that then shows up on future applications with other carriers. That single decline…
Buying life insurance doesn’t have to be as expensive as you might think. In fact, many people overestimate how much coverage costs and delay getting a policy because they assume the premiums are out of reach. The reality is that…
If you got divorced, remarried, if you had a child, or lost a loved one and never updated your life insurance paperwork then your death benefit can not go where you think it will go. A life insurance beneficiary designation…
Applying for life insurance too soon after a heart attack is the mistake that costs people the most money. Insurers see an application filed within a few months of a cardiac event as an unknown risk, which often results in…
An unexpected fall or car accident does not stop at the emergency room bill. Even with solid health insurance, deductibles, copays, and missed paychecks during recovery can add up fast, and that gap is exactly what voluntary accident insurance is…
There are so many people who delete the cataract surgery because they assume that it will cost a lot and then they get blindsided by a line separated fee they were never warned about. Others do the opposite. They picked…
A disability does not close the door on life insurance, but the wrong policy choice while receiving SSI can trigger a benefits review you never saw coming. Getting this right matters more than most applicants realize before they sign anything.…
Booking a cataract surgery without checking your Medicare coverage first will leave you with a surprise bill in the thousands of dollars. Especially if your surgeon recommends a premium lens without explaining that it is not covered. Cataract surgery is…
A $10,000 whole life policy sounds small enough to ignore the fine print. That is exactly how people end up overpaying for years or, worse, buying a guaranteed issue policy with a graded death benefit that pays out less than…